Forum Help

If you want to ask about changing your username, have login problems, have password problems or a technical issue please email forumteam@moneysavingexpert.com

Posting help:

If you want to ask why a word can't be typed, your signature's been changed, or a post has been deleted see the Forum Rules. If you don't find the answer you can ask forumteam@moneysavingexpert.com though due to volumes we can't guarantee replies.

Login to MSE Forum

Join the MSE Forum

Skimlinks adds tracking to some, primarily retailers' links, to show they come from this forum. For some retailers, instead of using Skimlinks to turn the link into a tracked link, we use affiliated links set up through other third parties. Then if it generates revenue from that, this site is paid. The links don't change the content, or what you see or track individual data ? but they do help fund this free forum. So we hope you choose to switch it on. See the full Skimlinks factsheet for more.

HI, looking for advice. heres a copy of what i have just sent to halifax ultimate reward claim team.
To cut a long story short - i believe that the money they are offering for a replacement will not give me a phone of the same standard as i lost.
They claim it will.
What can i do next as halifax dont want to seem to budge

Anyone had similar issues?

Thanks

Dear sir / madam,

I have an accepted claim from yourselves but I am unhappy with what I am being offered.

I have been offered £310 from yourselves as a replacement to my lost black iphone 3gs 16gb. You are unable to directly offer me a replacement as the phone is no longer sold by apple. Instead you have offered me a cash settlement of £310.

I cannot see an identical or equivalent handset for this price. My phone was immaculate and had no scratches or marks on it. I looked after it well (obviously not when I lost it  but thats why I have the insurance)

The phones offered to me by ultimate rewards are below.

The first one sold by wicked gadget (258.99) says that the phone will show light scratches to the screen and / or casing.

I do not consider that to be a fair replacement for my lost mint condition iphone

The second has had its software altered to make it jailbroken. I do not want a jailbroken phone - i think this may even be illegal

The third is locked to Orange, I am with o2.

The fourth is a white handset with no information.

I have had a good look through Amazon marketplace and can not find an identical or equivalent replacement iphone 3gs 16gb in black for under the price of £310. I have no problem getting a refurbished phone, It does say in your t&c that its not a new for old policy, I do however want an identical or equivalent handset which I just cannot see for £310.

Hi, could I ask how you lost your phone or what you told the insurance company? I have lost mine today but I know there is some clause to do with losing it in a public place which gets them out of paying out! What isn't classed as a public place???

HI, looking for advice. heres a copy of what i have just sent to halifax ultimate reward claim team.
To cut a long story short - i believe that the money they are offering for a replacement will not give me a phone of the same standard as i lost.
They claim it will.
What can i do next as halifax dont want to seem to budge

Anyone had similar issues?

Thanks

Dear sir / madam,

I have an accepted claim from yourselves but I am unhappy with what I am being offered.

I have been offered £310 from yourselves as a replacement to my lost black iphone 3gs 16gb. You are unable to directly offer me a replacement as the phone is no longer sold by apple. Instead you have offered me a cash settlement of £310.

I cannot see “an identical or equivalent handset” for this price. My phone was immaculate and had no scratches or marks on it. I looked after it well (obviously not when I lost it – but that’s why I have the insurance)

The phones offered to me by ultimate rewards are below.

The first one sold by wicked gadget (258.99) says that the phone will show light scratches to the screen and / or casing.

I do not consider that to be a fair replacement for my lost mint condition iphone

The second has had its software altered to make it jailbroken. I do not want a jailbroken phone - i think this may even be illegal

The third is locked to Orange, I am with o2.

The fourth is a white handset with no information.

I have had a good look through Amazon marketplace and can not find an identical or equivalent replacement iphone 3gs 16gb in black for under the price of £310. I have no problem getting a refurbished phone, It does say in your t&c that its not a new for old policy, I do however want an “identical or equivalent” handset which I just cannot see for £310.

How this site works

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.

Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.

We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).

We often link to other websites, but we can't be responsible for their content.

Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.